HELOC Leads in Ontario

Ontario is Canada's largest market for Home Equity Lines of Credit, fuelled by the enormous equity homeowners have accumulated across the Greater Toronto Area, Ottawa, Hamilton, and the province's expanding suburban corridors. With average home prices in the GTA regularly exceeding $1 million and more than five million owner-occupied households province-wide, the addressable pool of equity-rich homeowners is unmatched anywhere else in the country. Many Ontario homeowners hold hundreds of thousands of dollars in untapped equity and are actively exploring HELOCs for renovations, debt consolidation, investment strategies such as the Smith Manoeuvre, and emergency liquidity.

DashLeads generates HELOC leads from Ontario homeowners who are actively comparing lenders and seeking competitive variable-rate credit facilities secured against their properties. Our leads include homeowners looking to establish a new HELOC, existing borrowers shopping for a better rate or higher limit, and property owners interested in combining a HELOC with their existing mortgage to optimize their borrowing structure. Each lead includes estimated property value, outstanding mortgage balance, desired credit limit, intended use of funds, and verified contact information.

Ontario's mortgage brokerage industry is regulated by the Financial Services Regulatory Authority of Ontario (FSRA) under the Mortgage Brokerages, Lenders and Administrators Act. Because HELOCs are secured against real property, arranging them falls under mortgage brokerage regulation, and agents and brokers must hold valid FSRA licences. Federally, OSFI guidelines cap standalone HELOC lending at 65% loan-to-value, with a combined maximum of 80% when paired with an amortizing mortgage. DashLeads delivers verified Ontario HELOC leads in real time, geo-targeted to your licensed service areas, connecting you with motivated homeowners when their intent to access equity is highest.